Tuesday, February 12, 2013

Weird Ways to Save?

We all try to save, and for some it's easier. I can admit that I had trouble saving before. But there were several factors to that. Now that I'm on the right path, I thought I'd share a few things I've done.


I've never tried this, but I think it would a cool way to start, if you do the math it really adds up. Now I may try to do this one year just to see if I can incorporate it into my other routines.

One of the things I started doing to save that wasn't so weird, but normal, was to set up an automatic transfer from my checking to savings every paycheck. I started small, $25 a week to start. But every check (when I can) I add a little more on top of it. It make a difference. I even set some goals for myself to make myself more motivated. I'm happy to say that I've met my goals and continue to make new ones. Even if you can't commit to adding more than $20 a check to savings, it still adds up. Don't be discouraged! Start one step at a time, baby steps until you get where you want to be and/or feel comfortable to do more.

Now for the not so normal. Ha. These both get on the Mister's nerves because I'm so OCD about it. I started doing this about halfway through last year but it worked to help me save up quite a bit. No judgment here, please. I started saving up my crispy bills. Whenever I took money out the ATM, or got change back, I separated out my crispy bills from the more used bills, from the singles all the way to Big Ben. Yes I know how silly it sounds, but I hardly ever walk around with cash, so it was a good way for me to save up cash to have on hand in case of an emergency. And after I reached a certain amount or so, I would put some in the bank. I have had to use it once or twice, and thank goodness it was there! Even if it's just singles, it all adds up.

The other thing, is to empty all my change. Every night when I get home. I dump out my change and separate the quarters for laundry and put the rest in the cosmetic bag I use for change. But I also separate the quarters. I dislike the 'states' quarters, so I dump those back into the savings and use only the regular quarters for laundry. If there's any bi-centennial quarters or any other non-standard ones, back into savings they go. It may be odd, but it's what works for me. When the bag gets full, I lug it off to the bank and dump it into the change machine (thank you TD!) Whatever I get from it, goes straight into my account. Unless it's an emergency of course, in which case I keep it for what I need.

What else do you do to save money? Or so you think I'm crazy?

-L

2 comments:

  1. I save my change too. It really does add up. I would like to try the 52 Week Money Challenge next year. Another things that helps me save is keeping track of where and what I spend money on in a spreadsheet. It really makes me think twice when I can look back and see areas in which I've wasted money.

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    1. that sounds like a really good idea! I wish I had the patience for that, but after looking at spreadsheets all day at work, I can't LOL I used to use this website called Mint to help, but it was too tedious, so I stopped. When I was working minimum wage jobs, I would think about my purchases in terms of how many hours of work it would be. That sure stopped me from splurging!

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